Home Equity PRIME Promotion

12 Month Introductory HELOC Rate

Borrow $20,000 for $119 per month

A Home Equity Line of Credit gives you more control over how and when you borrow money. With easy access to funds and flexible draw and repayment options, the equity in your home can be used as a valuable financial tool.

Whether you plan on using your line of credit right away or in the future you’ll have simple, convenient and affordable access to funds for home improvements, debt consolidation, education expenses and so much more!


Unlock the potential of your home’s equity with our Interest Only-Adjustable Rate Home Equity Line of Credit.

  • 10 year draw period, followed by a 20 year repayment period.

  • Interest only payments during the draw period. Principal and interest payments after the draw period ends.

  • Borrow up to 90% of your home’s value (If L&N holds the first mortgage).


Active duty military, military veterans and first-responders will have underwriting and processing fees waived!**


For more information on our Home Equity Line of Credit programs, contact our Real Estate Department at (800) 292-2905 or (502) 368-5858. Or, contact us by filling out our Contact Us form.

*Home Equity Line of Credit: Variable Annual Percentage Rate (“APR”) is based on The Wall Street Journal Prime Rate (“Prime”) published daily, (8.00% APR as of 9/19/2024). Prime minus 1.00% APR is available for a 720+ FICO Score. Prime rate subject to change. Introductory Annual Percentage Rate (APR) is available on Home Equity Line of Credit with a 90% loan-to-value (LTV) if L&N holds the first mortgage, 85% LTV if L&N does not hold the first mortgage. No rate adjustment will occur during the 12 month introductory period.  Offer may be changed or discontinued at any time. 

** Includes Army, Navy, Air Force, Marines, Coast Guard, Firefighters, Police and EMS. Must show valid I.D. New loans only. Offer subject to change at any time without notice. NMLS#531738